Car Mods in Colorado

row of custom muscle cars

Car modifications have become a popular way for automobile enthusiasts to personalize their vehicles, enhance performance, and stand out on the road. From minor cosmetic changes to engine overhauls, car mods are a fun way to make a vehicle feel more like your own. But not all modifications are legal. To help you stay informed, we’ve compiled a list of Colorado’s policies regarding common car mods.  Colorado Laws Regarding Car Modifications Window Tinting Colorado requires a certain percentage of light be transmitted throughout the vehicle. Current laws stipulate that 70 percent of light be visible through the windshield, and at least 27 percent...

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Diminished Value in Auto Accident Claims

car being towed for repairs that will result in diminished value

When it comes to car accident claims, one concept that is often overlooked is "diminished value." This refers to the reduction in a vehicle's worth after it has been involved in an accident or sustained significant damage. While most of us know that we can file a claim for the cost of repairs and personal injuries sustained in an accident, you may not be aware that you can also file a claim for diminished value to your vehicle. Let’s take a closer look at what diminished value means and how it factors into auto accident claims. What is Diminished Value? Diminished value...

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Avoid Burglaries During the Holidays

burglar with crowbar peering into home window

Although burglaries are statistically more common during the summer, they also increase during the winter holidays. Along with many of us spending time away from our homes, we also tend to leave our gifts and valuables on full display-sometimes even with the windows open. This can be very enticing for a potential thief. Keep your home safe and avoid burglaries during the holidays by following a few easy steps.  Deter Burglars During the Holidays Know the Statistics Start by knowing the statistics of when and how burglaries occur. This can help you take specific steps to protect your home.  When Do Burglaries Happen? Most burglaries...

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Top Holiday Driving Hazards

holiday driving in snowy conditions

The holidays are a time for family, friends, and fun. Unfortunately, they are also a time when motor vehicle accidents can skyrocket. Many of us find ourselves driving longer distances more frequently, whether it is a road trip to see family or daily stops at the mall for last-minute gifts.  More time spent on the road combined with certain holiday driving hazards can result in an increased chance for a collision. We have put together a list of the top holiday driving hazards and how you can best avoid them to enjoy a safe, happy holiday season.  Most Common Traffic Accidents...

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Does Auto Insurance Cover Car Theft?

thief attempting to break into vehicle at night

The state of Colorado has seen an alarming increase in the number of car thefts in recent years. In fact, as of 2022, it is the top state in the nation for auto theft, with over 24,000 cars already stolen in the first half of this year. If you or someone you know has been a victim of car theft, you may be wondering what to do next and if your vehicle’s insurance will reimburse you.  Why Is Car Theft on the Rise? The most likely reason that car theft is increasing is because it is more lucrative. Inflation and supply chain...

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Common Colorado Insurance Claims for Fall

deer in the woods

The arrival of Fall brings cooler days and a collective excitement for the upcoming holidays. Unfortunately, the drop in temperature and festive hustle-and-bustle can also result in an increase in certain types of insurance claims. Knowing the most common types of insurance claims filed in the fall can help you protect yourself against seasonal risks.  Top 4 Fall Insurance Claims in Colorado 1. Water Damage Water damage from freezing pipes is one of the most common insurance claims filed in colder weather. Inspect your plumbing system and irrigation system for signs of damage and make repairs as soon as possible. Take steps to...

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How to Get Your Pipes Ready for Winter

frozen pipe downspout

Freezing pipes account for a significant percentage of homeowners insurance claims during the colder months. Preparing pipes for winter ahead of time can help you avoid the inconvenience and expense of repairs.  Are Frozen Pipes Covered by Homeowners Insurance? In many cases, yes, your homeowners insurance should cover the damage (minus your deductible) resulting from burst pipes. This scenario falls under “accidental water damage,” which is generally covered under the dwelling protection component of your policy.  That being said, there are a couple exceptions when your claim may be denied: Damage occurred due to lack of routine maintenance Just as with other areas of the...

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Phantom Vehicle Insurance Claims

woman on phone looking at car damage

Automobiles that are responsible for causing accidents without making physical contact are known as “phantom” vehicles, and they pose a serious threat. Most drivers will, at some point, find themselves in a situation on the road where they are compelled to make a risky maneuver due to the recklessness of another driver. They may have to suddenly swerve to miss hitting another vehicle, slam on the brakes, or veer quickly to the shoulder in an attempt to avoid an accident.  Sometimes these maneuvers pay off and a serious accident is averted. Other times, the worst happens: a collision still occurs, and...

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Unfair Claims Practices in Colorado

insurance claim form on a clipboard

The Unfair Claims Practices Act is an important part of Colorado legislation that protects policyholders against deceptive behavior by their insurance company. The act outlines specific tactics that are illegal for insurers to utilize when processing a claim. An insurance denial that occurred while any such action was taking place can indicate a bad faith claim, which is grounds for legal action.  What Insurance Processing Tactics Are Illegal? Unfair insurance practices include any deliberate attempt to delay or deny a claim by means of deception, misrepresentation, or poor communication. The following scenarios are red flags and should be reported.  Frequent “Clerical Errors” Everyone makes...

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Laws for Motorcyclists in Colorado

two harley davidson motorcycles parked in lot

Riding a motorcycle can be exhilarating: speeding along a scenic roadway, the wind in your hair, enjoying the sites and sounds of nature. Unfortunately, riding a motorcycle is also dangerous. Like bicycles, the exposed nature of the vehicle makes motorcyclists much more vulnerable when an accident occurs, no matter how minor. You can reduce your chances of being involved in a deadly crash by knowing motorcyclist laws in Colorado, as well as a few tips to keep yourself safe.  Do Motorcyclists in Colorado Have to Wear a Helmet? Although helmets have been shown to drastically reduce the risk of injury and death,...

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